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Treasury
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Embed financial services in your platform

Stripe Treasury is a banking-as-a-service API that lets you embed financial services in your marketplace or platform. With a single integration, enable your customers to hold funds, pay bills, earn interest, and manage cash flow.

How it works

Banking-as-a-service

Stripe Treasury provides the modular components you need to build a full-featured, scalable financial product for your customers. We’ve partnered with global banks to enable ACH and wire transfers, interest-earning accounts, and faster access to payments funds, all within your platform.

Building blocks for financial services

const account = await stripe.accounts.create({ country: 'US', capabilities: { treasury: {requested: true}, issuing: {requested: true} } }); const treasury_account = await stripe.treasury.accounts.create({ account: account.token, bank: 'citi', currency: 'usd' });
const treasury_account = await stripe.treasury.accounts.retrieve({ id: 'bacc_123' }); await stripe.treasury.accounts.update( treasury_account.token, {interest_passthrough: 0.75} );
await stripe.accounts.update( account.token, { payouts: { schedule: {delay_days: 0, interval: 'hourly'} } } ); await my_custom_event_handler( 'received_credits', (received_credit) =﹥ { await stripe.withdrawal.create({ description: 'Transfer 30% of credits to Capital repayment account', type: 'balance_transfer', account: treasury_account.token, amount: received_credit.amount * 0.30, currency: 'usd', payment_method_data: { account: capital_loan_account.token, } }); });
const vendor = await stripe.vendors.create({ name: 'Ramon Coworking', payment_method_data: { type: 'aba', country: 'US', currency: 'usd', routing_number: '000000000', account_number: '222222222' } }); await stripe.outbound_payments.create({ description: 'Office space', type: 'ach', account: treasury_account.token, amount: 600000, currency: 'usd', payment_method: vendor.token });
await stripe.issuing.cards.create({ currency: 'usd', type: 'physical', source_balance: treasury_account.token });

Create accounts

Create an account object with a single API request. Onboard users, verify identity, and provision an account with one of our bank partners in minutes.
  • ID verification
  • KYC checks
  • Sanctions screening
  • MATCH list checks

Store funds

Establish a store of funds and configure the properties of your financial product.
  • FDIC insurance
  • Interest-earning
  • Account number
  • Routing number
  • IBAN address
  • Multi-currency support
  • Pending and available balances

Move money

Enable different ways to transfer funds in and out of an account.
  • Domestic and international wires
  • Same-day ACH settlement
  • Check deposit
  • Faster payments settlement
  • Add to your balance
  • Credit returns on debits

Pay bills

Add bill pay to let customers make one-time or recurring payments to vendors or third parties.
  • Send money to an external address
  • Add saved vendors
  • Recurring bill payment

Attach payment cards

Issue custom payment cards to give users more ways to spend their funds.
  • Branded physical and virtual cards
  • Provision virtual cards to digital wallets
  • Ship physical cards in two business days
  • Dynamic spend controls
  • Real-time authorizations
  • Access funds at ATMs

Built on the world’s leading banks

Stripe Treasury is built in partnership with a network of global banks, making it easier to embed banking services in your platform. We’ve taken care of the upfront bank negotiations, compliance processes, and regulatory requirements. By combining Stripe’s technology, a streamlined setup, and the proven foundation of our bank partners, it’s frictionless to get started and effortless to scale.

Software platforms

Stripe Treasury

  • Frictionless user onboarding
  • FDIC insurance-eligible account
  • Faster access to funds
  • Pre-built workflows
  • Reliable compliance and risk management
  • Global money movement

Bank partners

Use cases

Deliver the right solution to your customers

With Stripe Treasury, platforms can create a simple stored-value account, a full-featured bank account replacement, and anything in between. It’s straightforward to add capabilities, so you can experiment and iterate to build the best product for your customers. Launch quickly, increase engagement, and create new lines of revenue for your platform.

Bank account replacement

Create an FDIC insurance-eligible account that earns interest, supports remote check deposit, and facilitates ACH and wire transfers to pay employees and vendors.

Open loop wallet

Create a simple stored-value account that can be topped up through payments or transfers, and used to make purchases within or outside of your platform.

Payout card

Pay on-demand workers via an interest-earning stored-value account to offer immediate access to their earnings. Create a payment card that’s linked to the account with Stripe Issuing.

Product operations account

Issue cards for on-demand workers to complete in-person purchases and fulfill orders. Set up an interest-earning balance to fund each card and add spend limits to better manage operations.

Have something else in mind?

Get in touch and we’ll help you explore how you can build a custom financial product that’s right for your customers.

Case study

Shopify uses Stripe Treasury to power Shopify Balance

Shopify is a leading global commerce company, providing trusted tools to start, grow, market, and manage a retail business of any size. With Shopify Balance, merchants get a one-stop-shop to manage their funds, pay bills, and track expenses. This gives them easier access to financial products and greater control over their finances.

Problem

Dealing with banking and financial services is an essential part of running a business, yet most of today’s banking services aren’t designed for the needs of independent business owners.

Solution

Shopify Balance offers Shopify merchants a fast, simple, and integrated way to manage their funds. Built on Stripe Treasury, Shopify Balance enables merchants to obtain critical financial products and oversee their finances—all within Shopify.

Products

Stripe Treasury gives us the flexibility to customize Shopify Balance specifically for our merchants. By building across Stripe’s payments and banking infrastructure, we’ve been able to give Shopify merchants access to critical financial products that meet their needs, like faster access to funds and rewards, helping them further grow their businesses.

Tui Allen, Senior Product Lead for Banking at Shopify

Fully integrated

Create a better Stripe experience for your customers

Once you’ve integrated with Stripe Connect, you can quickly onboard users onto your new product and rely on Stripe’s global infrastructure to facilitate faster money movement between accounts.

Seamless onboarding and verification

Stripe Treasury relies on the same proven workflows as Connect to quickly get users up and running. Stripe handles identity verification to meet KYC and compliance requirements, all while optimizing conversion.

Faster access to revenue

Stripe Treasury integrates with Stripe Payments to give you greater control over the speed of funds on your platform. With Stripe, you can facilitate faster money movement to let your customers more quickly access their funds.

Smarter financing for your customers

Stripe Capital provides platforms with an end-to-end lending API that enables you to provide access to financing to help your customers grow their businesses. When paired with Stripe Treasury, you’ll get a more complete picture of your customers’ financial profile, making it easier for your customers to obtain the right size loan, at the right time.

Invite only

Request an invitation to Stripe Treasury

While Stripe Treasury is in initial roll-out, we’re inviting a limited number of platforms that serve US-based businesses to participate. If you’d like to request an invitation, please provide additional information and we’ll keep you updated.

Because Stripe Treasury is in beta, it is available to a limited number of invited platforms and capabilities will continue to change.

Stripe Treasury is provided in the US by Stripe Payments Company, licensed money transmitter, in partnership with Evolve Bank & Trust, Member FDIC and Goldman Sachs Bank USA, Member FDIC. Stripe is also developing services with global expansion partners Citibank N.A. and Barclays in relevant jurisdictions. Card and other credit products are provided by Celtic Bank, Member FDIC and serviced by Stripe, Inc. and its affiliate Bootstrap Servicing, Inc.